BENCHMARK TOOL
Pick a state, a home-value band, a roof age, and a deductible. We start from the published state average we cite, apply simple adjustment factors printed below, and show a benchmark range. Labelled clearly: this is a benchmark range from published averages, not a quote for your home.
Disclaimer: Published averages and ranges, not a quote. This page is not insurance advice. Your premium will differ based on your home, location, claims history, and insurer.
Benchmark range: $1,306 to $2,041 per year
This is a benchmark range from published averages, not a quote for your home. Base: California published average $1,633 per year (Bankrate True Cost of Home Insurance 2025 state table (as reproduced by The Hartford, citing Bankrate); median home value from Ruby Home 2023 median home price summary, 2025, verified 2026-10-04), adjusted only by the simple band, roof, and deductible factors you selected above.
The tool opens on California, a $300,000 dwelling band, a roof aged 10-20 years and a $1,000 flat deductible. Every factor is 1.0, so the centre is simply the published California average of $1,633 per year, and the range renders as $1,306 to $2,041. Two lessons live in that plain example. First, even with every factor neutral, the honest answer is a range more than $700 wide, because real premiums scatter. Second, the range only becomes useful when you change the inputs to match your home: move the dwelling band to $500,000 and the centre rises by the 1.35 factor to about $2,205 before roof and deductible are even considered. Run your own combination, then compare the result with the state table and your state page before you judge any real quote.
It cannot see your street, your exact rebuild cost, your claims history, or whether insurers are competing hard or quietly leaving your area. It will not tell you a quote is too high, only whether it sits inside or outside a published-average range for homes roughly like yours. If a real quote lands far outside the range, the useful question is which factor explains the distance, and our guides on roof age and material, deductible choice and lowering a premium without underinsuring take those factors in turn.
No. It is your state published average adjusted only by the simple factors printed on this page, widened into a range. It cannot see your address, your roof in person, your claims history or any insurer’s current appetite. Only an insurer or licensed agent can quote your home.
Each state base is the published average in our checked-in data, for example California at $1,633 per year on a $300,000 dwelling basis (Bankrate True Cost of Home Insurance 2025 state table (as reproduced by The Hartford, citing Bankrate); median home value from Ruby Home 2023 median home price summary, 2025, verified 2026-10-04). The national average in the same report family is $2,470.
Dwelling band: $300k at 1.0, $500k at 1.35, $750k at 1.7. Roof age: 0-10 years at 0.95, 10-20 at 1.0, 20+ at 1.2, unknown or older material at 1.35. Deductible: $1,000 flat at 1.0, $2,500 at 0.93, 1% of dwelling at 0.97, 2% at 0.9. The range shown is 80% to 125% of the adjusted centre. These are simple published modelling factors for a benchmark, not an insurer rate filing.
Because flood insurance is a separate policy and a separate price. Including it silently would flatter the comparison for homes that need it and inflate it for homes that do not. See our guide on why flood insurance is separate.
State averages: Bankrate True Cost of Home Insurance 2025 state table (as reproduced by The Hartford, citing Bankrate), $300,000 dwelling basis, verified 2026-10-04. National average: Bankrate True Cost of Home Insurance report (press release, August 25, 2025), 2025. Adjustment factors are this site’s simple published benchmark model, printed above. Full method: Methodology. Limits of any benchmark: Disclaimer.